Also known as: Funding Circle
Funding Circle Ltd is the UK operating entity of Funding Circle Holdings PLC (LSE: FCH). Originally a peer-to-peer SME lending platform, the firm transitioned to a direct lending model. It provides business loans to established UK SMEs. Authorised and regulated by the FCA (FRN 722513). Companies House number 06968588. Parent group is publicly listed.
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SME business loans (up to £750,000), formerly peer-to-peer marketplace now direct lending model. Products include term loans and government-backed lending (previously CBILS/Recovery Loan Scheme).
Trading names and group notes
Funding Circle Holdings PLC (CH 07123934) is the listed parent. Funding Circle Trustee Limited (CH 07239092) and Funding Circle Property Finance Limited (CH 08896582) are related entities. Operations span the UK and internationally.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.6
Approx. 16,600–16,800 (as of mid-2026) reviews
Other review and social proof
Reviewed on NerdWallet UK, Expertsure, 4thWay (investor reviews)
Overall public sentiment
Strong positive ratings among borrowers: speed, easy online process and helpful support praised. Common negatives: pricing/fees higher than expected, frustration when applications stall post-eligibility check. Investor reviews historically mixed post P2P wind-down.
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